Pinjaman Uang: Hitung Cicilan

How much does a loan actually cost? Enter the loan amount, term, and interest rate, then view the monthly installments, total interest, and total repayment. Then, enter your current loan repayments and see when they'll be paid off.

Everything is calculated on your phone: no internet connection, no accounts, and no phone number required.

WHAT CAN BE CALCULATED

1. Loan Installments. Amount, term, and interest rate: The app displays the monthly installments, total interest, and total payments. It can be used for cash loans, personal loans, car loans, or other loans with fixed installments.
2. Affordable Installments. Based on your income and existing installments, see which monthly installments fit your budget.
3. Two loans side by side. Compare the two options based on their total cost, not just the installments.
4. Accelerated Repayment. See how many months the term is reduced and how much interest you'll save if you pay more each month.
5. Debt Burden. What percentage of your income goes to installments and how much is left over.

DEBT PAYMENT PLAN

Enter each loan you currently have: the remaining balance, interest rate, and monthly installment. The app then creates a plan for you:

• how long until you're debt-free and how much interest you still owe
• what changes if you increase your monthly payments
• two repayment orders — highest interest first or smallest remaining balance first — along with their respective costs
• your loans as numbered steps, complete with the repayment period for each loan

Useful for reviewing your debt consolidation plan before deciding, and for seeing the impact of paying off one loan early.

The loan data you enter is stored only on your phone. Nothing is sent anywhere.

EXAMPLE

A ​​loan of Rp10,000,000 for 12 months at 18% interest per year: installments of approximately Rp917,000 and a total of approximately Rp11,002,000. The same loan for 36 months: the installment decreases to about Rp362,000, but the total increases to about Rp13,015,000. The longer term adds about Rp2,013,000.

Change any of the numbers and the results change immediately.

ALSO AVAILABLE

• Price per unit: compare two package sizes and see which is more economical
• Principal and interest graphs, and repayment schedules with and without additional payments

WHO IT'S FOR

• You've received your loan details and want to check the installments and total yourself
• You're taking multiple loans and need a clear order for paying them off
• You're planning to pay more and want to know how much you're saving
• You want to know how much of your income is already being used for debt

WHAT THIS APP DOESN'T DO

• It doesn't lend money or transfer funds to your account
• It doesn't accept applications or documents
• It doesn't display a list of lenders or connect you with any party
• It doesn't check or change your credit history
• It doesn't provide financial or legal advice

IMPORTANT INFORMATION

This app is a calculator. It is not a bank, a loan provider, and is not affiliated with any financial institution, credit bureau, or government agency.

All figures are estimates based on the data you enter. Interest is calculated on the remaining principal (effective interest rate), using the annual interest rate divided by twelve months. Many loans use flat or daily interest, so your actual installments may vary. The calculation does not include administrative fees, provisions, insurance, or penalties. Always check the final cost in your loan agreement.

This app is free and may contain ads.